The following tables summarize the book value and estimated fair value of financial instruments for the periods indicated.

				Fair Value of Financial Instruments Using
June 30, 2014 (in thousands)	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)			Total Estimated Fair Value
Assets:
Cash and Cash Equivalents	$	48,001		$	48,001		$	-		$	-		$	48,001

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		18,424			13,412			5,012			-			18,424
Mortgage Backed Securities		326,335			-			326,335			-			326,335
Corporate Securities		54,661			8,982			45,679			-			54,661
Other		2,312			2,002			310			-			2,312
Total Investment Securities Available-for-Sale		401,732			24,396			377,336			-			401,732

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		67,866			-			54,736			13,723			68,459
Other		2,474			-			2,474			-			2,474
Total Investment Securities Held-to-Maturity		70,340			-			57,210			13,723			70,933

FHLB Stock		7,677			N/	A		N/	A		N/	A		N/	A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		421,538			-			-			421,007			421,007
Agricultural Real Estate		355,256			-			-			358,283			358,283
Real Estate Construction		80,357			-			-			80,700			80,700
Residential 1st Mortgages		159,324			-			-			163,038			163,038
Home Equity Lines and Loans		31,716			-			-			33,854			33,854
Agricultural		220,454			-			-			219,426			219,426
Commercial		172,571			-			-			172,661			172,661
Consumer & Other		4,688			-			-			4,747			4,747
Leases		21,047									20,743			20,743
Unallocated Allowance		(1,532	)		-			-			(1,532	)		(1,532	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,465,419			-			-			1,472,927			1,472,927
Accrued Interest Receivable		7,684			-			7,684			-			7,684

Liabilities:
Deposits:
Demand		499,133			499,133			-			-			499,133
Interest Bearing Transaction		313,879			313,878			-			-			313,878
Savings and Money Market		630,194			630,195			-			-			630,195
Time		418,829			-			418,969			-			418,969
Total Deposits		1,862,035			1,443,206			418,969			-			1,862,175
FHLB Advances & Securities Sold Under Agreement to Repurchase		12,000			-			12,000			-			12,000
Subordinated Debentures		10,310			-			6,222			-			6,222
Accrued Interest Payable		349			-			349			-			349

				Fair Value of Financial Instruments Using
December 31, 2013 (in thousands)	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)			Total Estimated Fair Value
Assets:
Cash and Cash Equivalents	$	83,677		$	83,677		$	-		$	-		$	83,677

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		28,436			23,394			5,042			-			28,436
Mortgage Backed Securities		324,929			-			324,929			-			324,929
Corporate Securities		49,380			8,191			41,189			-			49,380
Other		1,894			1,584			310			-			1,894
Total Investment Securities Available-for-Sale		404,639			33,169			371,470			-			404,639

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		65,685			-			51,563			14,307			65,870
Mortgage Backed Securities		45			-			45			-			45
Other		2,775			-			2,775			-			2,775
Total Investment Securities Held-to-Maturity		68,505			-			54,383			14,307			68,690

FHLB Stock		7,187			N/	A		N/	A		N/	A		N/	A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		402,336			-			-			403,790			403,790
Agricultural Real Estate		324,688			-			-			328,704			328,704
Real Estate Construction		40,438			-			-			40,800			40,800
Residential 1st Mortgages		150,184			-			-			153,352			153,352
Home Equity Lines and Loans		32,710			-			-			35,250			35,250
Agricultural		244,209			-			-			242,950			242,950
Commercial		144,701			-			-			145,131			145,131
Consumer & Other		4,876			-			-			4,912			4,912
Leases		12,094			-			-			11,851			11,851
Unallocated Allowance		(2,274	)		-			-			(2,274	)		(2,274	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,353,962			-			-			1,364,466			1,364,466
Accrued Interest Receivable		6,941			-			6,941			-			6,941

Liabilities:
Deposits:
Demand		495,963			495,963			-			-			495,963
Interest Bearing Transaction		291,795			291,795			-			-			291,795
Savings and Money Market		589,511			589,511			-			-			589,511
Time		430,422			-			430,752			-			430,752
Total Deposits		1,807,691			1,377,269			430,752			-			1,808,021
Subordinated Debentures		10,310			-			6,224			-			6,224
Accrued Interest Payable		352			-			352			-			352

				Fair Value of Financial Instruments Using
June 30, 2013 thousands)	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)			Total Estimated Fair Value
Assets:
Cash and Cash Equivalents	$	45,306		$	45,306		$	-		$	-		$	45,306

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		26,482			21,416			5,066			-			26,482
Obligations of States and Political Subdivisions		5,612			-			-			5,612			5,612
Mortgage Backed Securities		392,574						392,574			-			392,574
Corporate Securities		49,560			8,122			41,438			-			49,560
Other		1,186			876			310			-			1,186
Total Investment Securities Available-for-Sale		475,414			30,414			439,388			5,612			475,414

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		64,648			-			58,009			7,360			65,369
Mortgage Backed Securities		217			-			220			-			220
Other		2,194			-			2,194			-			2,194
Total Investment Securities Held-to-Maturity		67,059			-			60,423			7,360			67,783

FHLB Stock		7,187			N/	A		N/	A		N/	A		N/	A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		387,427			-			-			387,017			387,017
Agricultural Real Estate		309,107			-			-			310,902			310,902
Real Estate Construction		31,741			-			-			31,901			31,901
Residential 1st Mortgages		135,436			-			-			137,951			137,951
Home Equity Lines and Loans		34,514			-			-			37,225			37,225
Agricultural		204,203			-			-			201,957			201,957
Commercial		150,572			-			-			149,593			149,593
Consumer & Other		5,378			-			-			5,400			5,400
Leases		2,667			-			-			2,667			2,667
Unallocated Allowance		(224	)		-			-			(224	)		(224	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,260,821			-			-			1,264,389			1,264,389
Accrued Interest Receivable		7,609			-			7,609			-			7,609

Liabilities:
Deposits:
Demand		429,526			429,526			-			-			429,526
Interest Bearing Transaction		248,447			248,447			-			-			248,447
Savings and Money Market		588,009			588,009			-			-			588,009
Time		444,175			-			444,579			-			444,579
Total Deposits		1,710,157			1,265,982			444,579			-			1,710,561
FHLB Advances & Securities Sold Under Agreement to Repurchase		43,300			-			43,300			-			43,300
Subordinated Debentures		10,310			-			5,665			-			5,665
Accrued Interest Payable		438			-			438			-			438